Refund Policy
Last Updated: July 2026
This Refund Policy explains how cancellations, rescheduling, and refunds are handled for consultations, courses, reports, and digital products purchased through kaalkarma.com.
1 Consultations
Consultations are booked directly through kaalkarma.com/consultations. If you need to reschedule, please write to us at least 24 hours before your scheduled session and we will arrange a new time at no extra cost. Cancellations made at least 24 hours before the session are eligible for a full refund; cancellations made after this window are not eligible for a refund but may be rescheduled once, subject to availability. If Rachana Charantimath is unable to join the session as scheduled and a suitable alternative time cannot be arranged, you will receive a full refund or a free rescheduled session, whichever you prefer. Refunds are not provided for missed sessions where the client does not join the call at the scheduled time.
2 Courses
Courses purchased through kaalkarma.com/courses are eligible for a full refund if requested within 48 hours of enrolment, provided that no more than one RECORDED session has been attended or a limited portion of recorded content has been accessed, as specified on the individual course page. Once this window has passed, or once course access/materials have been substantially used, the enrolment becomes non-refundable, though you retain full access to the course for its stated duration.
3 Ebooks & Digital Reports
Ebooks, birth chart reports, and other digital products are delivered electronically shortly after payment is confirmed. Because these products are accessible immediately upon delivery, they are generally non-refundable once delivered. If you receive a corrupted file, the wrong product, or believe there has been a genuine error in your order, please contact us within 48 hours of purchase and we will resolve the issue or issue a refund at our discretion.
4 How to Request a Refund
To request a refund, cancellation, or rescheduling, please write to us with your order details, the service purchased, and the reason for your request, using the contact details in Section 8. Please include the payment confirmation or order ID you received at the time of booking or purchase.
5 Refund Timeline
Approved refunds are processed within 7-10 business days from the date of approval. The amount will be credited back to your original method of payment. Depending on your bank or payment provider, it may take a few additional days for the refund to reflect in your account.
6 Chargebacks & Disputes
You retain the right to raise disputes or chargebacks directly with your bank, card issuer, or payment provider in accordance with their applicable rules. This Refund Policy sets out our internal criteria for handling refund requests and does not limit or replace your rights with your financial institution.
7 Changes to This Policy
We may update this Refund Policy from time to time. Any changes will be posted on this page with a revised "Last Updated" date. The policy in effect at the time of your purchase or booking will apply to that transaction.
8 Governing Law & Contact
This Refund Policy is governed by the laws of India, and any disputes shall be subject to the exclusive jurisdiction of the courts of Karnataka, India. For refund requests or questions about this policy:
kaalkarma.com/contact